Household disposable income rose by 2.7 percent in 2025

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  • Employee remuneration grew by 6.4 percent.
  • Mortgage debt increased as a percentage of GDP.
  • Households have over 540 billion euros in savings and other deposits.

Real household disposable income grew by 2.7 percent in 2025, year on year. This increase is mainly attributable to a rise in employee remuneration, driven by higher collectively agreed wages. Mortgage debt rose by 48.1 billion euros, year on year, to 935.9 billion euros. This is reported by Statistics Netherlands based on new figures on household finances.

Employee remuneration contributed most to rise in household income

The income of both employed persons and self-employed workers was higher in 2025 than it was in 2024. Total employee remuneration grew by 6.4 percent. The number of jobs held by employed persons increased by 1.5 percent, and negotiated wages were 5.0 percent higher. Mixed income was 0.8 percent higher.

The increase in total benefits received was 5.8 percent. This is mainly because benefits are often linked to minimum wages, which rose by 5.6 percent, year on year. In addition, the number of workers receiving benefit also rose because more people were receiving a pension and pensions were raised. Households paid 3.9 percent more in taxes and social security contributions.
To arrive at real disposable income, net disposable income is adjusted for price increases.

Mortgage debt rises, debt-to-GDP ratio increases

Mortgage debt rose by 48.1 billion euros in 2025, year on year. This means that mortgage debt rose more sharply than in 2024. House prices rose and more homes were sold. Since the economy grew at a slower nominal rate than the increase in debt, mortgage debt as a percentage of GDP rose from 79.2 percent in 2024 to 79.4 percent in 2025.

Household savings grew by over 8 percent

At the end of 2025, households had a total of over 540 billion euros in savings and other deposits. That is an increase of 8.1 percent on 2024. The last time savings grew at a relatively faster rate was in 2003, when they rose by 9.4 percent. These are the savings held by Dutch households at banks in the Netherlands or elsewhere.

Sources